For example, the transaction price of a building is 250,000 square meters, and the reference price is 1 16000, which is less than half of the transaction price. After the New Deal, I want to buy a house with a total price of 40 million, and the bank's evaluation price is only 20 million.
30% down payment, only 6.5438+0.4 million loans, and the actual down payment is 26 million, equivalent to 65% down payment; 50% down payment, only 6.5438+million can be borrowed, and the actual down payment is 30 million, equivalent to 75%; 70% down payment, only 6 million loans, the actual down payment of 34 million, equivalent to 85%. As soon as the notification document came out, the relevant departments in Shenzhen began to act quickly and interviewed all real estate agents in Shenzhen at the first time: in order to implement it in the shortest time! Relevant departments in Shenzhen will report to all real estate agents at the first time? Make a move? Yes Open any real estate software, and you will definitely not see the housing price in Shenzhen. If you don't believe me, turn on your mobile phone and have a look.
Why not show the house price? It's simple! According to the new regulations, the listing price exceeds the official guidance price of Shenzhen government, all of which belong to? Illegal? . What do you see now? No data yet? Are they all listed on the previous house price? Official price? Houses, they're all sealed off now. Not only are online channels blocked, including offline stores, but all regulations have been introduced, which are higher than? Official price? All must be removed and shielded.
If the seller doesn't want to sell the house at a low price according to the house price five years ago, then let the two big houses go directly? Channel? , direct seal: higher than? Official price? Yes, seals! Higher than the bank loan price, sealed! The house cannot be advertised anywhere in the form of higher than the official price; The house is 70% higher than the official guide price, and the natural market is hot.
According to media reports, Shenzhen Everbright Bank issued a notice on the adjustment of second-hand housing mortgage policy (hereinafter referred to as? Have you noticed? ), which pointed out that according to the "Notice of Shenzhen Housing and Construction Bureau on Establishing a Reference Price Release Mechanism for Second-hand Housing Transactions" and regulatory requirements, the transaction price of second-hand housing issued by the Housing and Construction Bureau will be used as a reference for mortgage loans.
"Notice" also pointed out that the declaration of second-hand housing mortgage loan business is implemented according to the above new policy. This is Shenzhen's official release of the second-hand housing reference price mechanism, and commercial banks officially issued a document requesting that the second-hand housing reference price be used as a loan precedent. This also means that the power of Shenzhen's second-hand housing reference price mechanism is gradually emerging, and there will be more stringent rules and regulations in the follow-up, and the wind of property market speculation will no longer prevail. Reduce leverage? This is inevitable.
Since Shenzhen Housing and Construction Bureau announced the establishment of a reference price release mechanism for second-hand housing transactions, the industry is very concerned about the impact of this mechanism on the property market, and the scale of the bank evaluation system will directly affect the second-hand housing loan space. Bank related sources said that the reference price will be updated with market changes, tentatively changing once a year. The reason why this reform has attracted much attention is mainly because the second-hand housing market in Shenzhen, if the transaction price is used as the basis for mortgage loans, will directly affect the loan amount and down payment of buyers.
Shenzhen's real estate market is a typical pattern of short supply, coupled with a high degree of marketization, intensive financial transactions and sustained positive, speculation and speculation in Shenzhen's property market are also more prevalent. In recent years, housing prices in Shenzhen have continued to rise, and housing prices have surpassed Beijing to become the first in the country. The data shows that the house price in Shenzhen has reached 90,049 yuan/square meter, and petty bourgeoisie also shows that the average price of second-hand houses is 70,234 yuan/square meter. Statistics from the National Bureau of Statistics show that in 2020, the overall growth rate of Shenzhen will be as high as 14. 1%, ranking first in the country.
Shenzhen Housing and Urban-Rural Development Bureau has made adjustments to the limited purchase period of commercial housing, housing credit measures and tax control. Although the second-hand housing market has cooled down for some time, the transaction at the end of the year began to pick up again. Since then, Shenzhen has been mending the real estate market. If it is clear that the husband and wife are divorced and the real estate division is registered in the name of the party who is not qualified to buy a house, the other party may not buy a commercial house in Shenzhen within 3 years after the divorce. However, the market has not been significantly affected, and this time the reference price of second-hand housing transactions as the basis of mortgage loans, more lethal and broader.